Fraud Notice

GENERAL: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act.

The fraud warnings listed below are applicable in the following states:  AL, AK, AZ, AR, CA, CO, DE, DC, FL, HI, ID, IN, KS, KY, LA, ME, MD, MA, MN, NE, NH, NJ, NM, NY, OH, OK, OR, PA, TN, TX, VT, VA, WA or WV.  If you are located in one of these states, please take time to review the appropriate warning prior to submitting your claim.

ALABAMA:  Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

CALIFORNIA: For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

HAWAII:  For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime punishable by fines or imprisonment, or both.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: Any person who knowingly and with intent to defraud any insurance company or other person by presenting any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of an application for insurance, the rating of an insurance policy, or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto has committed a fraudulent insurance act.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MASSACHUSETTS:  Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

MINNESOTA: A person who files a claim with intent to defraud, or helps commit a fraud against an insurer, is guilty of a crime.

NEBRASKA:  Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

NEW MEXICO: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VERMONT: Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

WASHINGTON:  It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Overview of Rates, Rules and Premiums for Coverage

  1. Annual Premium Rates – The total annual premium is based on:
    1. The insurance replacement value for each item of jewelry
    2. The residence location of the policyholder
    3. The age of the policyholder
    4. The TransUnion TrueRisk property insurance credit score of the policyholder (state exceptions apply)
    5. The policyholder’s and jewelry wearer’s protective devices
    6. The policyholder’s prior program claims
    7. The jewelry piece’s settlement type (agreed value vs. standard repair/replacement)
    8. The selected payment frequency
  1. Eligibility – only people living in the United States of America are eligible for personal jewelry insurance through Glencar Insurance Company.
  2. Limitations – Insurance may be limited for the following risks:
    1. Insurance is not available for loose stones not being set (gemstones must be set within 30 days of purchase), materially damaged jewelry or watches, and non-jewelry items like coins and bullion.
    2. Insurance is not available for men’s jewelry worth over $5,000, or weighs more than 25 grams; in essence, these items act as bullion.
    3. Insurance is not available for smart watches.
    4. Insurance is not available for watches with custom after-market work including custom bezels and watch faces.
    5. High-end brands, antique jewelry, and vintage watches can only be written on an agreed value basis.
    6. Rolex watches and items over $50,000 are subject to the Precaution Endorsement.
    7. Insurance is not available for items with abnormally high theft or robbery risk. Such items are characterized by their high weight in precious metal, or high weight and/or count of precious gemstones. These pieces are colloquially referred to as “bling” or “ice” and includes “grills”.

If you submit an application for insurance for any limited risks, you understand that BriteCo and Glencar insurance Company may: revise your policy to comply with these guidelines; decline your application for insurance; or void/cancel your binder or policy, even if premium has been paid.

  1. Documentation – In order to apply for insurance, you will need a valid appraisal dated within the past three years. You are not permitted to apply for insurance without a valid recent appraisal. A recent sales receipt counts as a valid appraisal, so long as it meets the guidelines below. Your appraisal or detailed sales receipt must meet the following criteria to be considered a valid:·The name of the applicant or the additional insured.
    ·The name of the jeweler or the appraiser.
    ·The insurance replacement value or purchase price (including tax) of the item.
    ·The date of the appraisal or, if a detailed sales receipt, the date of the sale.
    ·Details on the types of precious metals and their purity. If the item is valued at more than $2,000, and made entirely of precious metal, the weight of the overall piece must be included.
    ·For diamonds under 0.2 carats each, the total weight of all small stones is required. For diamonds over 0.2 carats each, the count, total/individual weight, color (exact or range), and clarity (exact or range) is required.
    ·For colored gemstones under 0.2 carats, the total weight of all small stones is required. For colored gemstones over 0.2 carats, the count and total/individual weight are required. The variety of gemstone is required for all colored gemstones.
    ·For fancy colored diamonds, the color, intensity, count, individual/total weight, and clarity (exact or range) is required.
    ·For pearls, the variety and size of the pearls is required.
    If your appraisal or detailed sales receipt does not meet the above guidelines, your application may be considered invalid. Exceptions may be made on a case-by-case basis with prior approval from BriteCo’s underwriting team. For exceptions, please contact BriteCo’s underwriting team at insurance@brite.co.

    Your submission of this application and premium payment constitutes an insurance binder. Within 14 days of your initial purchase of coverage, you will be required to submit a valid appraisal and a photo of the item to verify possession and good condition. All documentation must be submitted through BriteCo’s online application unless otherwise notified.

    Upon receipt, BriteCo’s underwriting team will review your documentation. At the underwriter’s discretion, they may request additional documentation, revised documentation, additional time stamped/signed photographs, or other reasonable action items to ensure your appraisal is valid and possession/condition is verified. Your policy will not be issued if you fail to submit the required documentation and/or fail to comply with our underwriters’ follow-up requests.

    If you fail to meet the requirements outlined in this section, you understand that BriteCo and Glencar insurance Company may: revise your policy to comply with these guidelines; decline your application for insurance; or void/cancel your binder or policy, even if premium has been paid. Furthermore, failure to provide documentation may lead to delayed claims settlement, as documentation is required per “What Must Be Done In Case Of Loss” in the policy terms.

  1. Authorized Representative – Your jeweler is not an insurance agent of Glencar Insurance Company or BriteCo and does not sell insurance. Please direct all questions and comments about insurance to BriteCo.

Electronic Submission (“E-Submission”) of Application

You are submitting an application for insurance with Glencar Insurance Company. In order for you to do so, described below is an overview of the insurance as well as certain legal rights and responsibilities relating to the coverage, the application, and your submission of the application. Please read everything in this page carefully and contact BriteCo at info@brite.co or if you have any questions.

Consent to E-Submission

  • If you do not consent to e-submission, you may not submit your application using an e-signature.
  • The application process does not involve any fee charged by us to use our website, but you of course may incur charges from your Internet service provider (ISP). Also, your ISP may experience system failures, and hyperlinks to documents may not function properly.
  • You may withdraw your consent to completing or submitting this insurance application online by closing the active browser window or tab.

Duration of e-consent: Your consent and e-signature agreement applies only to your application for insurance with Glencar Insurance Company through BriteCo.

Electronic Signature (“E-Signature”) Agreement

To apply for insurance with Glencar Insurance Company through BriteCo using an e-signature, you must consent by clicking the [“Get Quote”] button. By clicking this button, you acknowledge reading and understanding the following terms and conditions. If you do not click [“Get Quote”], you cannot apply for insurance online, though you may request from us paper copies of all documents and apply by fax or mail.

  • I have full authority and legal capacity, whether individually or as a representative of a legal entity (like a trust, for example), both to apply for insurance with Glencar Insurance Company and to consent (and I hereby consent) to any necessary background or credit check or investigation related to the application for insurance.
  • I wish and intend to complete and submit to Glencar Insurance Company an application for insurance with Glencar Insurance Company.
  • Through the [“Get Quote”] button, I am providing my e-signature, which is the legal equivalent of submitting a document signed by hand.
  • I understand that my submission of the insurance application or payment of initial premium does NOT guarantee that Glencar Insurance Company will issue a policy to me, and I may be contacted for further information before any decision is made on my application.
  • I may call 312-809-9100 to obtain a paper copy of my completed application, at no charge. Note that a pdf copy of your completed application is supplied with your initial policy documents.
  • I UNDERSTAND THE IMPORTANCE OF TRUE AND ACCURATE INFORMATION AND HAVE READ, AND I UNDERSTAND, THE FRAUD NOTICE.

Electronic Notice Disclosure and Consent

Please read this Electronic Notice Disclosure and Consent (the “Consent”) carefully and retain a copy for your reference. In this agreement, “we”, “us” and “our” mean Glencar Insurance Company (or “GIC”) and “you” and “your” means each policyholder identified on a policy.

This Consent contains important information about how we will deliver all disclosures, notices, communications and  other policy-related documents including, but not limited to, insurance applications, proposals, quotes, policies, endorsements, and bills, as well as our initial and annual or bi-annual privacy notices (collectively, “Notices”) related to the provision of online services (the “Service”). This Consent covers each and every policy that you apply for or access using the Service (by e-mail) either now or in the future. When you have a policy to which this Consent applies, you agree that we may provide you with any Notice in electronic format, and that we may discontinue sending paper Notices to you, unless and until you withdraw your consent as described below. We may also use electronic signatures and obtain them from you as part of our transaction with you.

Receiving Notices Electronically. All Notices to you in electronic form may be provided (i) via e-mail at the e-mail address you specify on this Consent below; (ii) by access to a website designated in an e-mail notice from us to you; (iii) to the extent permissible by law, by access to a website generally designated in advance for such purpose; or (iv) by requesting you download a PDF file containing the Notice.  Delivery of electronic Notices by any of these methods will be considered “in writing” and you intend that the electronic Notices have the same legal effect as written and signed paper Notices. We may always, in our sole discretion, provide you with any Notice in paper form, even if you have chosen to receive it electronically.

Updating Your Contact Information. You must have an active e-mail address.  You must promptly notify us of any change in your e-mail address or other contact information. You may change your e-mail address on record by contacting your agent or by writing to us at Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd, Suite 805, Itasca, IL 60143. If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that all Notices shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form via e-mail to the e-mail address we have for you in our records, or delivered through other electronic means.

Your Option to Receive Paper Copies. You may request to receive a paper copy of any Notice provided to you electronically by calling us at 1-800-214-2424.  Paper copies will be provided to you at no charge.

Withdrawal of Consent to Electronic Notices. You may withdraw your consent to receive Notices electronically at any time by calling us at 1-800-214-2424 or by writing to us at Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd, Suite 805, Itasca, IL 60143. You will not be charged a separate fee if you choose to withdraw your consent. Any withdrawal of your consent will be effective only after we have had a reasonable period of time to act upon your withdrawal. Any withdrawal of your consent to receive electronic communications will not affect the legal validity, enforceability and binding effect of any Notice you received, electronic or otherwise, before the effective date of the withdrawal of your consent.

Federal Law. You acknowledge and agree that this Consent is being provided by you in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Hardware and Software Requirements. In order to use electronic signatures and to access, view, and retain any electronic Notices:

  • You must have a computer, mobile device, or other electronic device with internet access and
    • A secure internet browser with 128-bit encryption;
    • A current version of a program that accurately reads and displays “PDF” files, such as Adobe® Acrobat Reader® version; and
  • A valid e-mail address and software to access that email account.
    • To print and save your Notice in electronic form using your computer, you will need:
    • A Printer (to print paper copies); and
    • A hard drive or other device with sufficient electronic storage capacity (to download and save electronic copies).
  • To print and save your Notice in electronic form using your mobile or other electronic device, you will need:
    • A printer capable of printing the screen shots on your mobile or electronic device (to print paper copies); and
    • An electronic device capable of taking a screenshot that can be printed (to save electronic copies).

Changes to Hardware and/or Software Requirements. If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Notices, we will inform you of the revised hardware or software requirements. Continuing to use the Service after receiving notice of the change is reaffirmation of your consent.

By signing, dating, and returning a copy of this Consent you acknowledge that you have read and understood and agree to be bound by the terms and conditions set forth above, that you have the hardware and software necessary to receive, access, view, sign and retain electronic Notices, and that you have an active and valid email address. You also acknowledge that you are authorized to consent on behalf of all policyholders named on your policy, subject to applicable law.

Payments & Refunds Disclosure

You can only pay for BriteCo products using a credit card or a debit card. All payments must be made by the cardholder or account holder or the person making the payment must have the express consent and permission of the cardholder or account holder to use the card or other form of payment being used.

You understand and agree that we will charge the credit or debit card you use to purchase an insurance policy from us today. Thereafter, we will charge the card as follows:

  • For monthly payment policies, we will charge your card every 30 days, and automatically charge your card up to 30 days in advance for renewals. By choosing monthly payments, you consent to automatically charging your card throughout the entire policy period. You may withdraw this consent by either:
    • Canceling your policy mid-term; or
    • Requesting a different payment plan with manual payments upon renewal.
  • For annual policies, we will automatically charge your card up to 30 days in advance for renewals. You may withdraw this consent by requesting manual payments upon renewal.
  • We will charge your card, or provide a refund, for amounts depending on policy changes you initiate and other factors approved by insurance regulatory authorities. These amounts are due upfront for the remainder of the billing period, and may change future monthly or annual payments for your policy.

Additionally, you understand and agree to the following terms:

  • You agree to be bound by any rules your financial institution requires for pre-authorized electronic funds transfers and/or that your debit or credit card issuer requires for pre-authorized debit or credit card transactions. You are responsible for all fees charged by your financial institution associated with the pre-authorized payment option.
  • You must keep your credit/debit card information current at all times by contacting BriteCo immediately upon any change to the account information you have previously provided. If you do not update your credit/debit card information and BriteCo is unable to charge your credit card or withdraw funds from your debit card for the amount due on your BriteCo account, you may be subject to applicable late payment fees, not sufficient funds fees, or other fees, as well as any fees or charges assessed by your financial institution.
  • BriteCo will notify you of any balance due prior to initiating any withdrawal from your debit card or charge to your credit card. BriteCo will also notify you of the planned date of the withdrawal and/or charge. You agree to review each such notice you receive and inform BriteCo of any errors or disputed charges within 24 hours of the time at which BriteCo has provided your notice of a balance due.
  • BRITECO SHALL BEAR NO LIABILITY OR RESPONSIBILITY FOR ANY LOSSES OF ANY KIND THAT YOU MAY INCUR AS A RESULT OF A PAYMENT MADE ON ITEMS INCORRECTLY BILLED OR FOR ANY DELAY IN THE ACTUAL DATE ON WHICH YOUR ACCOUNT IS DEBITED OR YOUR CREDIT CARD IS CHARGED.
  • BriteCo reserves the right to change these terms or terminate this Program at any time. These terms will remain available for public access on our website, brite.co. We suggest your save a copy of these terms for your records and return periodically to review changes.
  • These terms do not in any way terminate, amend or modify other terms, agreements or policies that may apply to your relationship with BriteCo or Glencar Insurance Company, or any BriteCo services you receive or other agreements you may have with BriteCo.

Please direct any questions or request payment plan changes to info@brite.co.

Insurance-To-Value Disclosure

As a condition of underwriting acceptability, you are required to maintain 100% insurance to value. Corresponding with each renewal, BriteCo may review your schedule to ensure that you are maintaining 100% insurance to value.

  • If any deficiencies are discovered, BriteCo may adjust the insured replacement value to meet the 100% insurance to value requirement. These adjustments are based on market prices of precious metals and gemstones at the time of renewal quotation.
  • If you disagree with the value selected, you may provide a recent appraisal (past 12 months) from a reputable jeweler with the value you wish to insure for the prospective period.
  • For watches, BriteCo may rely on an indexing approach to updating values, as watches may no longer be in production or the market value may not match the MSRP.

Insurance Credit Score Disclosure

In connection with this insurance, we may review your credit report or obtain or use a credit-based insurance score, based on information contained in that report. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. We will provide exceptions to a anyone whose credit information has been directly influenced by extraordinary life events. The information used to develop the insurance score comes from TransUnion.

Licensure

BriteCo LLC is a licensed insurance agency in all fifty states and the District of Columbia. Licenses numbers are as follows, AK: 100168496,  AL: 3000426890, AR: 3000426892, AZ: 3000426916, CA: 0M48637, CO: 588031, CT: 002617494, DC: 3000426918, DE: 3000427508, FL: L104573, GA: 202784, HI: 482848, IA: 1002330146, ID: 697805, IL: 3000343555, IN: 3392114, KS: 364873811-0, KY: DOI-1018158, LA: 785946, MA: 2077394, MD: 3000426807, ME: AGN320947, MI: 0117694, MN: 40606615, MO: 8461418, MS: 15034605, MT: 3000426814, NC: 364873811, ND: 3000426822, NE: 100301143, NH: 2419847, NJ: 1688395, NM: 3000432439, NV: 3391602, NY: PC-1543130, OH: 1219776, OK: 3000428456, OR: 3000435525, PA: 877560, RI: 3000426840, SC: 3000426855, SD: 10021062, TN: 2421883, TX: 2362681, UT: 697818, VA: 144879, VT: 3392001, WA: 1001110, WI: 3000426856, WV: 100287002, WY: 384777.

Glencar Insurance Company – Privacy Notice

Glencar Insurance Company (“GIC,” “we,” “our,” or “us”) respects your privacy, and we strive to be transparent in how we collect and use your information. This Privacy Notice describes how GIC collects, uses, discloses, and protects your nonpublic personal information (“personal information”).

  1. Scope

This Privacy Notice applies to all personal information GIC receives or collects from you and from other sources about you during the course of our business operations and insurance relationships, including personal information we receive or collect when you visit our website (www.glencarinsurance.com).

2.       Personal Information Collected by GIC

GIC underwrites, issues, and processes a wide variety of property and casualty insurance products and services. Depending on our relationship with you – applicant, policyholder, participant, insured, claimant, beneficiary – GIC may collect or receive the following information that may contain personal information:

  • Identity Information: First name; middle name or initial; last name; gender; date of birth; marital status; age; identification number, such as social security, driver’s license or tax identification number; permanent residence; professional licenses and affiliations; policy or claim number; relationship to policyholder, insured, or claimant; date and cause of injury or disability; identification of insured property (such as addresses or vehicle license plate numbers); and other similar identifying information.
  • Contact Information: Business and/or personal addresses, email addresses, telephone numbers, fax numbers, and other contact details.
  • Financial and Business Information: Policy coverage; premiums; payment and transaction history; account transactions; credit history; insurance claims history; credit report information (e.g., information pertaining to your creditworthiness and credit history); professional or employment-related details; vehicle driving records; driving habits (for example, based on accident reports and driver violations); a prior accident or loss history; insurance policy coverage information; claim information, such as date of loss, type of loss, cause of loss, status of claim, and value of the claim; and any other business or financial information required to underwrite or support a claim under a property and casualty insurance policy.
  • Property Information: Information deriving from inspection reports, such as physical inspection of the interior and exterior of the property to be insured and information on the loss history of your property.
  • Health Information: Medical history; past, current, and future physical, mental, or medical condition or treatment; medical procedures performed; health status, injury, or disability information; and other similar health information.
  • Regulatory Information: Any personal information needed for GIC to comply with its obligations under applicable laws and regulations, including, without limitation, insurance fraud, economic and trade sanctions, and other regulatory schemes.
  • Website Usage Information: GIC’s website may use cookies or other automatic data collection technologies to collect certain information about visitors to our website, including IP address; details about your browser, operating system and device/hardware; webpages visited; and other logging information such as the date, time, and duration of your use of the website.
  1. How GIC Collects Your Information

GIC collects and receives the personal information described in Section 2: Personal Information Collected by GIC, above, from a variety of sources.

  • We may gather personal information directly from you, such as when you provide us with information on applications or other forms (e.g., your contact information, employment information; account information); ask about, apply for, or buy insurance; file a claim; pay insurance premiums; or respond to our questions, whether in writing, in person, by phone, electronically or through other means. Sometimes, however, we may need additional information or to verify information you have given us, in which case you may be asked to provide us with more details in writing, via e-mail or over the phone.
  • We may also gather personal information indirectly from you, such as from observing your actions when you use or interact with our website or from audio, video, or call recordings created in connection with our business activities.
  • We may also collect your personal information from sources other than you, such as:
    • Your insurance agent or broker;
    • Your employer, association or business (if you are insured through them);
    • Our parents, affiliates, and subsidiaries or other insurance companies about your transactions with them;
    • Consumer reporting agencies, motor vehicle departments, and investigators connected with claims adjusting and inspection services, to gather your credit history, driving record, claims history, or value and condition of your property;
    • Other public directories and sources;
    • Medical professionals who have provided care to you and/or insurance support organizations regarding your health; and
    • Third parties, including other insurers, brokers and insurance support organizations who you have communicated with about your policy or claim, anti-fraud databases, sanctions lists, court judgments and other databases, government agencies, law enforcement authorities, or in the event of a claim, third parties including other parties to the claim witnesses, experts loss adjustors and claim handlers.
  • We may also use the following techniques to collect personal information about you:
  • Personal or telephone interview
  • Written correspondence
  • Examination or assessment
  • Investigative consumer report

We often employ the common insurance industry practice of asking an outside source, called a “consumer reporting agency” or “insurance support organization,” to provide us with consumer reports. On occasion, that source may contact you or a neighbor, either by phone or in person, to provide us a report. The named insured listed on your policy has the right to request that we contact them or their spouse for a personal interview that will be included in the report. If this option is chosen, we will make every effort to comply with the request. As required by the Fair Credit Reporting Act, we are notifying you that we may investigate your character, general reputation, personal characteristics and mode of living, whichever are applicable. Additional information regarding the nature and scope of any such investigation requested will be furnished to you, upon your written request. Information that we obtain from a report prepared by an insurance support organization, including consumer reporting agencies, may be retained by that organization and disclosed to other persons.

4.       How GIC Uses Your Personal Information

We may use the personal information collected in Section 2: Personal Information Collected by GIC, above, for the following purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our insurance products and services, we will use that personal information to respond to your inquiry.
  • To process transactions on your behalf, and information about you or about participants, beneficiaries, or claimants under your insurance policy in the normal course of business
  • To underwrite and issue, maintain, and renew insurance policies, or related products, obtain reinsurance, and process claims under an insurance policy, or related contract and to communicate with you throughout this process.
  • To collect premium payments, collect purchase payments, collect reinsurance proceeds, purchase reinsurance, pay insurance claims, pay third parties and other payees, and make other business-related payments.
  • To create, maintain, customize, and secure your account with us.
  • To contract with service providers to perform business, professional or insurance functions on our behalf.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To help maintain the safety, security, quality, and integrity of our website, products and services, databases and other technology assets, and business, including to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity, and to debug to identify and repair errors that impair existing intended functionality.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of GIC’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by GIC about our consumers is among the assets transferred.
  • To comply with our legal, regulatory, and contractual obligations.
  • As otherwise permitted or required by law.
  1. With Whom GIC Shares Your Personal Information

We do not disclose any of our customers’, former customers’ or other persons’ personal information to our affiliates or nonaffiliated third parties, except as permitted or required by law. For example, we may, under certain circumstances and as permitted by law, disclose the personal information we collect about you in the course of our general business practices, without your prior authorization, to:

  • Our parents, affiliates, and subsidiaries as permitted by law, such as to satisfy our financial reporting obligations or comply with applicable sanctions screening regulations. Our affiliates include financial companies, such as Glencar Underwriting Managers (general underwriters) and Hannover Re (reinsurer).
  • A person other than an insurance institution, agent or insurance support organization including, but not limited to professional advisors such as accountants, auditors, lawyers, and bankers, where such information is reasonably necessary to (a) enable such person to perform a business, professional or insurance functions for us, and where such person agrees not to disclose the information further without your written authorization unless the further disclosure is otherwise permitted by applicable law or is reasonably necessary for such person to perform its function for us, or (b) determine your eligibility for an insurance benefit or payment or detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction.
  • Another insurance institution, agent, insurance support organization, or self-insurer, provided the information disclosed is limited to that which is reasonably necessary to (a) detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction or (b) to perform its function in connection with an insurance transaction involving you.
  • A medical care professional or institution to verify insurance coverage or benefits, inform you of a medical problem of which you may not be aware, or to conduct an operations or services audit to verify that you were treated by the medical professional or at the medical care institution, provided only such information is disclosed as is reasonably necessary to accomplish the foregoing purposes.
  • An insurance regulatory authority.
  • A law enforcement or other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities.
  • The extent otherwise permitted or required by law.
  • In response to a facially valid administrative or judicial order, including a search warrant or subpoena;
  • An organization for purposes of conducting actuarial or research studies, provided (a) you are not identified in any actuarial or research report, (b) materials allowing you to be identified are returned to us or destroyed as soon as they are no longer needed and (c) the actuarial or research organization agrees not to disclose the information unless the disclosure would otherwise be permitted by applicable law if made by us.
  • A party or representative of a party to a proposed or consummated sale, transfer, merger or consolidation of all or part of our business, provided (a) before the consummation of the sale, transfer, merger or consolidation, only such information is disclosed as is reasonably necessary to enable the recipient to make business decisions about the purchase, transfer, merger or consolidation, and (b) the recipient agrees not to disclose the information unless the disclosure would otherwise be permitted by applicable law if made by us.
  • A group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services, but only as necessary to conduct the review or audit.
  • A professional peer review organization for the purpose of reviewing the service or conduct of a health care provider.
  • A governmental authority for the purpose of determining the individual’s eligibility for health benefits for which the governmental authority may be liable.
  • A certificate holder or policyholder for the purpose of providing information regarding the status of an insurance transaction.
  • A lienholder, mortgagee, assignee, lessor or other person shown on our records as having a legal or beneficial interest in a policy of insurance; provided (a) no medical record information is disclosed unless the disclosure would otherwise be permitted by applicable law; and (b) the information disclosed is limited to that which is reasonably necessary to permit such person to protect its interests in such policy.
  • Please note that we do not currently use or share personal information for marketing purposes. If we do so in the future, we may disclose personal information without your authorization to a person whose only use of such information will be in connection with the marketing of a product or service, provided (a) no medical record information, privileged information or personal information relating to an your character, personal habits, mode of living or general reputation is disclosed, and no classification derived from such information is disclosed, (b) you have been given an opportunity to indicate that you do not want personal information disclosed for marketing purposes and have given no indication that you do not want the information disclosed, and (c) the persons receiving such information agree not to use it except in connection with the marketing of a product or service.

We may also disclose nonpublic personal health information: (a) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud; (b) with your written authorization; and (c) otherwise as permitted by law.

We do not share your personal information with nonaffiliated third parties so they can market to you.

When you are no longer our customer, we continue to share your information as described in this Privacy Notice.

  1. Rights of Access to or Correction, Amendment, or Deletion of Recorded Personal Information

You have the right to request access to the personal information we record about you, including the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). You also have the right to request corrections, amendments or deletions of any personal information in our possession. The procedures that you must follow to request access to or correction, amendment or deletion of your information are as follows:

To obtain access to your information: You should submit a request in writing to GIC’s Privacy Officer either by email at CPReport@gc-ins.com or by mail at Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd., Suite 805, Itasca, IL, 60143. The request should include your name, address, policy number, telephone number, and the recorded information to which you would like access. The request should state whether you wish to see and copy the information in person or have a copy of the information sent to you by mail. Upon receipt of your written, verifiable request, we will contact you within thirty (30) business days to arrange for you to access your information in the manner that you have requested.

  1. After you submit a request for access to your recorded personal information, as long as the information is reasonably locatable and retrievable, we will, within thirty (30) business days of our receipt of your written request:
    • Inform you of the nature and substance of the information in writing or by telephone;
    • Permit you to see and copy, in person, the requested information, or provide you with copies of this information by mail, in accordance with your stated preference;
    • Provide you with an accurate written translation in plain language of any recorded personal information in coded form;
    • List the identity of any institutional source from which we obtained the information and either the identity (if recorded) of those persons to whom we have disclosed such information within two (2) years prior to your request or, if such identity is not recorded, the names of those organizations or other persons to whom such information is normally disclosed; and
    • Provide you with a summary of the procedures by which you may request correction, amendment or deletion of recorded personal information (as described below).
  2. If you request access to medical record information that was supplied to us by a medical care institution or medical professional, you may choose to have us provide such information along with the identity of the supplier (i) directly to you (where permitted by law) or (ii) to a medical professional designated by you and licensed to provide medical care with respect to the condition to which the information relates. If we provide the requested information to a medical professional, we will notify you at the time of the disclosure, that we have provided such information to the medical professional.
  3. GIC may charge you a reasonable fee to cover the costs incurred in providing you with a copy of your information. If the information applies to reasons for an adverse underwriting decision, there will be no charge.
  4. Your access rights apply to the information collected and maintained in connection with insurance transactions. These rights do not extend to information collected in connection with or in reasonable anticipation of a claim or a civil or criminal proceeding involving you.

To correct, amend, or delete any of your information: You should submit a request in writing to GIC’s Privacy Officer either by email at CPReport@gc-ins.com or by mail at Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd., Suite 805, Itasca, IL, 60143. The request should include your name, address, policy number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your written, verifiable request, we will contact you within thirty (30) business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

  1. If the recorded personal information is corrected, you will be notified in writing and the correction will be furnished to:
    • any person you have designated who may have, in the last two years, received such information;
    • insurance support-organizations that may have regularly received such information about you from us the last seven years, if they still hold this information; or
    • insurance support-organizations from which we may have received the information that has been corrected.
  2. If you disagree with a refusal to correct, amend or delete recorded personal information, you may file a concise statement setting forth:
    • what you think is the correct, relevant or fair information, and
    • the reasons why you disagree with the refusal to correct the information.
  3. If you file the statement described above, GIC will:
    • file it with the disputed personal information and provide a means by which any person reviewing the information will be made aware of the statement and have access to it;
    • in any future disclosure of your personal information, clearly identify the portion that is in dispute and provide a copy of the statement that has been filed; and
    • send the statement to each of the three categories of persons and insurance support-organizations covered in point 1, above.
  4. Your rights to correction, amendment or deletion apply to the information collected and maintained in connection with insurance transactions. These rights do not extend to information collected in connection with or in reasonable anticipation of a claim or a civil or criminal proceeding involving you.

6.       How We Protect Your Information

We understand the importance of securing your personal information. We have physical, electronic and procedural safeguards in place to protect your personal information in compliance with applicable state and federal laws.  We restrict access to customer information to those employees, such as our employees and agents, who need to know that information to provide products or services to you. We require individuals with access to your information to protect it and keep it confidential. We do not disclose any personal information about you except as described in this notice or as otherwise required or permitted by applicable law.

  1. Modifications to our Privacy Notice

We reserve the right to change our privacy practices in the future. Before we make any changes, we will provide you with a revised privacy notice and give you the opportunity to opt-out or, if applicable, to opt-in.

 

  1. Contact Information

If you have any questions about this Privacy Notice or of our information practices, please contact us by:

  • Writing to: Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd, Suite 805, Itasca, IL 60143
  • Calling: (800) 221-1076
  • Emailing: CPReport@gc-ins.com

Your state may give you additional protections that are explained below. To the extent these state laws apply, we will comply with them when we share information about you.
Other Important Information

California Residents: You also have rights under the California Consumer Privacy Act of 2018, as amended. For more information, please review our CCPA Policy, available at https://glencarinsurance.com/privacy-policy.

Maine Residents: You have the right to know the reasons for an adverse underwriting decision by sending your request to GIC’s Privacy Officer either by email at CPReport@gc-ins.com or by mail at Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd., Suite 805, Itasca, IL, 60143. You also have the right, with very narrow exceptions, to not be subject to pretext interviews.  In the course of our general business practices, we may, under certain circumstances, disclose personal information about customers or former customers to other affiliated or nonaffiliated third parties, as permitted or required by law, without your prior authorization in the following additional way and to the following additional parties not described above: in order to protect the public health and welfare, to state governmental entities only insofar as necessary to enable those entities to perform their duties when reporting is required or authorized by law.

Massachusetts Residents: In the event of an adverse underwriting decision, you may ask, in writing, for the specific reasons for an adverse underwriting decision by sending your request to GIC’s Privacy Officer either by email at CPReport@gc-ins.com or by mail at Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd., Suite 805, Itasca, IL, 60143. Upon receipt of a written request, we will furnish the following information to you within twenty-one (21) business days from the date of our receipt of your request: (1) the specific reason for the adverse underwriting decision, in writing, and (2) the specific items of personal and privileged information that support such reason; provided, however, that: (a) we are not required to furnish specific items of privileged information if we have a reasonable suspicion, based upon specific information available for review by the commissioner of insurance, that you have engaged in criminal activity, fraud, or material misrepresentation; (b) we will disclose specific items of medical record information supplied by a medical care institution or medical professional, together with the identity of the institution or professional, either directly to you or to a medical professional designated by you and licensed to provide medical care with respect to the condition to which the information relates, at your option. However, we will supply mental health record information directly to you only with the approval of the qualified professional person with treatment responsibility for the condition to which the information relates or of another equally qualified mental health professional. Upon release of any medical or mental health record information to a medical professional designated by you, we will notify you, at the time of the disclosure, that we have provided such information to the medical professional; and (c) any information provided will include the name and address of the source that supplied the specific items of information, except that a source that is a natural person acting in a personal capacity need not be revealed if confidentiality was specifically promised.

If you submit an access request, you have the right to be informed of the nature and substance of your recorded personal information in writing (rather than by telephone or other oral communications). If you request access to mental health information, we will provide it in the same manner as noted above.

If you send us a written request to correct, amend or delete any recorded personal information about you that we maintain, and we refuse to honor your request, we will notify you of your right to request review by the commissioner of insurance. If we correct, amend or delete your recorded personal information in dispute, and such information is limited to either medical record information or information that relates to your character, general reputation, personal characteristics or mode of living, we will notify you of the same and furnish the correction, amendment or fact of deletion to any person who, according to our records, has or may have within the preceding two (2) years received such personal information.

In the course of our general business practices, we may, under certain circumstances, disclose personal information about customers or former customers to our affiliates or other nonaffiliated third parties, as permitted or required by law, without your prior authorization, in the following additional ways and to the following additional parties not described above:

  • To another insurance company, agent or insurance support organization, provided the information is reasonably necessary to (a) detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction or (b) to perform its function in connection with an insurance transaction involving you, and provided further that the recipient of the information is prohibited from redisclosing the information without explicit written authorization pursuant to applicable law or that the individual is notified, either concurrently with an application for insurance or otherwise prior to disclosure of the information, that the disclosure of the information may be made and can find if the disclosure has been made.

Minnesota Residents: Your rights of access to, or correction, amendment or deletion of, information extend to any personal information about you that we maintain in our possession, recorded or otherwise. If we refuse to correct, amend or delete your disputed personal information, we will also notify you of your right to file an appeal with the commissioner. In limited circumstances, we may deny a request to disclose health record information directly to you, and instead provide such information to the health professional designated by you, under state law.

Montana Residents: The categories of information described herein are applicable both to disclosures made with and without your authorization. In the course of our general business practices, we may, under certain circumstances, disclose personal information about customers or former customers, as described above, to other affiliated or nonaffiliated third parties, as permitted or required by law, without your prior authorization in the following additional ways and to the following additional parties not described above:

  • To a governmental professional licensing or regulatory board to review the service or conduct of a health care institution or health professional that we have reason to believe has violated its licensing act or engaged in the unlawful practice of a licensed professional;
  • To a medical professional or medical care institution to determine the reasonableness or necessity of medical services;
  • For health research that is subject to the approval of an institutional review board and the requirements of federal law and regulations governing biomedical research, or epidemiological or drug therapy outcomes research that requires information that has been made anonymous to protect the identity of the patient through coding or encryption;
  • To another person if the information is limited to that which is reasonably necessary to detect or prevent criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with an insurance transaction, and that person agrees not to disclose the information further without your written authorization unless the further disclosure is otherwise permitted by applicable law if made by us;
  • To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services (other than employer audits required by the Employee Retirement Income Security Act of 1974) if the information disclosed is reasonably necessary for the group policyholder to conduct the review or audit and the group policyholder agrees not to further disclose the information without the individual’s separate, written authorization; provided, however, that medical record information disclosed must be edited to prevent the identification of the applicant, policyholder, or certificate holder;
  • To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating our company, persons that are assessing our compliance with industry standards, and our attorneys, accountants, and auditors if the disclosure is limited to that which is reasonably necessary to enable the person or entity to perform services or an insurance function for us and we prohibit the recipient from using the information, other than to carry out the limited purpose for which the information is disclosed;
  • To an insurance support organization to perform insurance support services for us, provided that such organization may redisclose the information to the extent necessary to provide its services to its member or subscriber licensees and other insurance support organizations or as otherwise permitted by law, but not for a marketing purpose; or
  • To persons pursuant to the Montana Rules of Civil Procedure.

In the event we disclose your medical record information to a medical professional, the medical professional may review and interpret this information and, at your request, will consult with you.

If you request access to your medical record information, you have the right, with proper identification, to submit a written request for a record of disclosures of medical record information that we have made.

  • For each of the following disclosures, we will provide you with the name, address and institutional affiliation, if any, of any person that received or examined the medical information during the last two (2) years, the date of such receipt or examination, and to the extent practicable, a description of the information disclosed:
    • In response to a facially valid administrative or judicial order, including a search warrant or subpoena;
    • For health research that is subject to the approval of an institutional review board and the requirements of federal law and regulations governing biomedical research, or epidemiological or drug therapy outcomes research that requires information that has been made anonymous to protect the identity of the patient through coding or encryption;
    • For marketing purposes, but only as permitted under Montana law;
    • To an insurance support organization to perform insurance support services on our behalf;
    • To insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating our company, persons that are assessing our compliance with industry standards, and our attorneys, accountants, and auditors to enable such person or entity to perform services or an insurance function for us;
    • To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services;
    • To a professional peer review organization for the purpose of reviewing the service or conduct of a medical care institution or medical professional; or
    • As otherwise permitted or required by law, provided that we will not provide a list of disclosures, if any, made to law enforcement.
  • For certain other disclosures as listed below, we will only provide you with a description of the types of medical record information that we disclose in those cases, along with a general description of the usual recipients of that information, as individual tracking of each disclosure in these cases is not required under state law:
    • To another insurance institution, agent, insurance support organization, or self-insurer, provided the information disclosed is limited to that which is reasonably necessary to (i) detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction or (ii) for either the disclosing or receiving licensee to perform its insurance if the recipient does not further disclose the information unless otherwise permitted by state law;
    • To a medical professional or institution to verify coverage or benefits, inform you of a medical problem of which you may not be aware, to conduct an operations or services audit, or determine the reasonableness or necessity of medical services;
    • To a party involved in a sale, transfer, merger, or consolidation of all or part of our or insurance-support organization’s business, as long as (i) before the transaction is completed, the only information disclosed is that which is reasonably necessary to allow business decisions to be made and (ii) the recipient agrees not to further disclose the information without the individual’s separate, written authorization;
    • To an affiliate if necessary to perform an insurance function, use in connection with an audit or with your consent to market insurance products or services if the affiliate enters into a written agreement not to further disclose the information;
    • To a governmental authority as required by state or federal law or for the purpose of determining the individual’s eligibility for health benefits for which the governmental authority may be liable;
    • To a person contractually engaged to provide services to enable us to perform an insurance function or to perform such function on behalf of us if the service contract prohibits further disclosure; and
    • To a non-licensee as necessary to perform an insurance function.

 

Nevada Residents: We are providing this notice pursuant to state law. If you do not want to receive unsolicited calls from us, you have the right to request that your number be placed on our do-not-call list. To exercise this right or if you have questions, please contact GIC’s Privacy Officer by calling (800) 221-1076, emailing CPReport@gc-ins.com, or writing to Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd., Suite 805, Itasca, IL, 60143. You may also contact the Nevada Attorney General’s Office: Bureau of Consumer Protection Office of the Nevada Attorney General, 555 E. Washington Ave., Ste. 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email: BCPINFO@ag.state.nv.us.

Oregon Residents: You have the right to authorize disclosure of your personal information by dating and signing a written authorization form that identifies you, gives a general description of the information to be disclosed, a general description of the parties to whom the information will be disclosed, the purpose of the disclosure and how the information will be used. The authorization must state for how long the authorization is valid and how to revoke the authorization prior to the stated end. An authorization cannot exceed 24 months. You have the right to revoke an authorization at any time, but your revocation will only be effective for future disclosures and will not affect any disclosure made in reliance on your authorization. We will keep any such written authorization in our records that pertain to you.

Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.glencarinsurance.com or by calling (800) 221-1076.

Virginia Residents: In limited circumstances, we may deny a request to medical-record health record information directly to you, and instead provide such information to a physician or clinical psychologist designated by you, under state law. In the course of our general business practices, we may, under certain circumstances, disclose personal information about customers or former customers to other affiliated or nonaffiliated third parties, as permitted or required by law, without your prior authorization in the following additional ways and to the following additional parties not described above:

To a law enforcement or other government authority, upon written request of any law enforcement agency, for all your information in our possession which relates an ongoing criminal investigation. We will release such information, including, but not limited to, policy information, premium payment records, record of prior claims by the insured or by another claimant, and information collected in connection with our investigation of an application or claim. Any information released to a law-enforcement agency pursuant to such request shall be treated as confidential criminal investigation information and not be disclosed further except as provided by law. We will not notify your or a claimant that such information has been requested or supplied prior to notification from the requesting law enforcement agency that its criminal investigation is completed.

Glencar Insurance Company – CCPA Policy for California Residents

We value your business and your trust in Glencar Insurance Company (“GIC,” “we,” “our,” or “us”).  The privacy and confidentiality of your personal information is among our top priorities.  This CCPA Policy applies solely to residents of the State of California (“consumers” or “you”) and describes the personal information we collect about you and how we use and protect it before, during and after your relationship with us (the “CCPA Policy”). We adopt this notice to comply with the California Consumer Privacy Act of 2018, as amended (“CCPA”) and, unless defined in this CCPA Policy, any terms defined in the CCPA have the same meaning when used in this CCPA Policy. If you are viewing this CCPA Policy offline, you can also access it online at https://glencarinsurance.com/privacy-policy.

COLLECTION OF PERSONAL INFORMATION

The type of personal information we collect may vary depending on your relationship with us. For this reason, we may collect, and over the prior 12 months may have collected, the following categories of personal information from consumers:

  1. Identifiers, such as name, contact information (e.g., postal address, telephone number, email address), IP address, government-issued ID numbers (e.g., Social Security number, driver’s license number, passport number), account name, and other similar identifiers.
  2. Personal information as defined in the California Customer Records law, such as name, signature, contact information, government-issued ID numbers, insurance policy numbers, payment card data, and education, employment, and medical or financial information.
  3. Characteristics of protected classifications under California or federal law, such as age, marital status, gender, medical condition, and physical or mental disability.
  4. Commercial Information, such as transaction information, purchase history, financial details, and payment information.
  5. Internet or other electronic network activity information (“Internet or Network Activity”), such as browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.
  6. Audio, electronic, visual, or similar information, such as audio, video or call recordings created in connection with our business activities.
  7. Professional or Employment-related Information, such as job title as well as work history and experience.
  8. Inferences drawn from any of the other personal information listed above to create a profile about a consumer reflecting the consumer’s characteristics or behavior, such as driving habits or account transactions.

Personal information does not include (i) publicly available information from government records; (ii) deidentified or aggregated consumer information; (iii) information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act, Gramm-Leach-Bliley Act or California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994; and (iv) medical information governed by the California Confidentiality of Medical Information Act or protected health information collected by a covered entity or business associate governed by the Health Insurance Portability and Accountability Act of 1996.

SOURCES OF PERSONAL INFORMATION

We may have obtained the categories of personal information listed above from the following sources:

  • Directly from you, such as from information received on applications and other forms you complete, whether in writing, in person, by phone, electronically or by other means.
  • Indirectly from you, such as from observing your actions when you use or interact with our website.
  • From our parents, affiliates, and subsidiaries.
  • From our business partners and other third parties who help us manage our business, such as third party administrators, data aggregators, insurance agents and brokers, and investigators connected with claims adjusting and inspection services or who otherwise interact with us as permitted or required by law, such as consumer reporting agencies, state motor vehicle departments, government entities, and law enforcement authorities.

USE OF PERSONAL INFORMATION

We may use or disclose the personal information we collect and, over the past 12 months, may have used or disclosed the personal information we have collected, for one or more of the following business or commercial purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our insurance products and services, we will use that personal information to respond to your inquiry.
  • To process transactions on your behalf, and information about you or about participants, beneficiaries or claimants under your insurance policy in the normal course of business.
  • To underwrite and issue, maintain, and renew insurance policies, or related products, obtain reinsurance, and process claims under an insurance policy, or related contract and to communicate with you throughout this process.
  • To collect premium payments, collect purchase payments, collect reinsurance proceeds, purchase reinsurance, pay insurance claims, pay third parties and other payees, and make other business-related payments.
  • To create, maintain, customize, and secure your account with us.
  • To contract with service providers to perform business, professional or insurance functions on our behalf.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To help maintain the safety, security, quality, and integrity of our website, products and services, databases and other technology assets, and business, including to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity, and to debug to identify and repair errors that impair existing intended functionality.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of GIC’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by GIC about our consumers is among the assets transferred.
  • To comply with our legal, regulatory, and contractual obligations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.

GIC will not collect additional categories of personal information or use the personal information we collected for additional purposes without providing you notice.

SHARING PERSONAL INFORMATION

Disclosures of Personal Information for a Business Purpose

We do not disclose any consumers’ personal information to anyone, except as permitted or required by law or as otherwise set forth in this CCPA Policy. In the preceding 12 months, we may have disclosed any of the categories of personal information listed above (except for Internet and Network Activity) as defined in the Personal Information We May Collect section of this CCPA Policy for a business purpose to the following categories of third parties:

  • our parents, affiliates, subsidiaries, and business partners;
  • government entities;
  • professional advisors (e.g., accountants, auditors, insurers, lawyers, bankers);
  • IT vendors, data aggregators, records management and data storage providers;
  • insurance-related business partners and third parties (e.g., underwriters, actuaries, appraisers, brokers, agents, advisors, and adjusters; claims administrators; and
  • investigators connected with claims adjusting and inspection services); and authorized representatives and successors in interest (e.g., your personal representative, beneficiary, or other legally authorized successor to your interest in your insurance policy).

In the preceding 12 months, we may have disclosed Internet or Network Activity as defined in the Personal Information We May Collect section of this CCPA Policy for a business purpose with our IT vendors, data aggregators, records management and data storage providers.

Sales of Personal Information

GIC does not sell consumers’ personal information and has not sold consumers’ personal information in the preceding twelve (12) months.

YOUR RIGHTS AND CHOICES

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that GIC disclose certain information to you about our collection, use, disclosure, and sale (if applicable) of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources from which the personal information was collected.
  • Our business or commercial purpose for collecting or, if applicable, selling the personal information.
  • The categories of third parties with whom we share the personal information.
  • The specific pieces of personal information we collected about you.
  • If we sold or disclosed your personal information for a business or commercial purpose, two separate lists identifying: (i) the categories of personal information disclosed, and the categories of third parties to whom the personal information was disclosed; and (ii) if applicable, the categories of personal information sold, and the categories of third parties to whom the personal information was sold.

Deletion Request Rights

You have the right to request that GIC delete any of your personal information that we have collected or maintained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act.
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf (an “Authorized Agent”), may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. We are not obligated to provide information to you in response to your verifiable consumer request for access or portability more than twice in a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an Authorized Agent.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We are unable to fulfill your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. With few exceptions, we will only review and fulfill a request from your Authorized Agent if (a) you grant the Authorized Agent written permission to make a request on your behalf, (b) you or the Authorized Agent provides us notice of that written permission, and (c) we are able to verify your identity in connection with that notice and the request. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Verifying Your Identity

Before completing your request to exercise the below, we will verify that the request came from you by comparing the identifying information provided by you in your request with any personal information we maintain about you at that time. For all requests, we will need the consumer’s full name plus the following information: (i) date of birth; (ii) residential or billing address; and (iii) last four digits of the consumer’s Social Security number.

To protect the privacy and security of your personal information, we may request additional information from you to help us verify your identity and process your request. This information may include your email address, insurance policy number, insurance claim number, and/or driver’s license or other government-issued identification number. We may also contact you to ask you for further information in relation to your request to speed up our response. You may also be asked to complete and provide a signed declaration under penalty of perjury that you are the consumer who is the subject of the request in certain circumstances.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt.  If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

You have a right to not receive discriminatory treatment by us for exercising your rights under the CCPA. Unless permitted by the CCPA:

  • You will not be denied goods or services.
  • You will not be charged different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • You will not be provided a different level or quality of goods or services.
  • You will not receive suggestions that you could obtain a different price or rate for goods or services or a different level or quality of goods or services.

CHANGES TO OUR CCPA POLICY

We reserve the right to amend this CCPA Policy from time to time.  When we make changes to this CCPA Policy, we will post the revised CCPA Policy on this page with a new “Last Updated” date.

CONTACT INFORMATION

If you have any questions or comments about this CCPA Policy, the ways in which GIC collects and uses your information described in this CCPA Policy or GIC’s Privacy Notice, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (800) 221-1076

Email: CPReport@gc-ins.com

Website: www.glencarinsurance.com

Postal Address: Glencar Insurance Company, Attn: Privacy Officer, 500 Park Blvd, Suite 805, Itasca, IL 60143

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Contact

909 Davis Street, Suite 500
Evanston IL 60201

info@brite.co

BriteCo Inc. is a licensed insurance agency in all fifty states and the District of Columbia.
Please see the Licenses section of this website for more information. All insurance policies underwritten and issued by Glencar Insurance Company and administered by BriteCo.